South Dakota health insurance 2027: prices, plans and free help

South Dakota health insurance facts

Marketplace

South Dakota uses HealthCare.gov, the federally facilitated Marketplace.Source

2027 open enrollment

November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source All states' 2027 dates.

Medicaid expansion

South Dakota adopted Medicaid expansion by ballot measure in November 2022; it took effect July 1, 2023.Source

State insurance department

South Dakota Division of Insurance (Department of Labor and Regulation). File complaints and check agent licenses here.Source

Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.

Average cost of health insurance in South Dakota for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $704 a month for a 40-year-old in South Dakota for 2027, before any credit. That is up 7% from $655 in 2026.Source By county, the 2027 benchmark runs from $567 to $801 a month.Source

2027 benchmark silver price by age in South Dakota

Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in South Dakota, in numbers

For 2026, 50,951 South Dakota residents picked a Marketplace plan during Open Enrollment, and 83.3% of them received an advance premium tax credit. The average premium was $684 a month per person before the credit and $211 after it, counting everyone who picked a plan. 15.4% paid $10 a month or less after the credit.Source

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $655 a month for a 40-year-old in South Dakota in 2026, before any credit.Source 3 insurers offered individual-market plans through HealthCare.gov in South Dakota for 2026.Source

Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients paid, by state and kind of plan, is in health insurance cost by state.

Health insurance companies in South Dakota for 2027

CMS lists 3 insurers selling 60 Marketplace plans in South Dakota for 2027, across 66 counties. Which ones you can buy depends on your county.Source

• Sanford Health Plan: all 66 counties
• Avera Health Plans: all 66 counties
• Wellmark of South Dakota, Inc.: 42 of 66 counties

This is CMS’s list of insurers on HealthCare.gov, not a list of the companies America First Healthcare works with.

Cheap health insurance in South Dakota: where the low prices are

Before tax credits, the lowest-cost bronze plan for a 40-year-old costs $554 a month in the middle South Dakota county for 2027, from $439 to $584 across the state. The lowest-cost silver plan costs $767 in the middle county.Source

Tax credits change the price most. For 2026, 83.3% of South Dakota Marketplace enrollees got a premium tax credit, and 15.4% paid $10 a month or less after it.Source

South Dakota expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.

Short-term health insurance in South Dakota

Short-term limited duration plans are sold in South Dakota. The Division of Insurance notes they are not subject to the ACA single risk pool rules: they can be medically underwritten, can exclude pre-existing conditions and do not have to cover essential health benefits. Duration limits follow state and federal rules; check the Division before you buy.Source Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.

Free, impartial help in South Dakota

If you have Medicare or will soon: South Dakota’s State Health Insurance Assistance Program (SHIP) is Senior Health Information and Insurance Education (SHIINE), 1-888-854-5321.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in South Dakota

New to private coverage? Start with private health insurance in the USA.

Self-employed? Self-employed health insurance in South Dakota has your 4 options, 2026 prices and a tax deduction calculator.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across South Dakota, including Sioux Falls, Rapid City and Aberdeen, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

On our homepage map, South Dakota is one of the states marked active now.

South Dakota health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.